Bank · FDIC insured
NBT Bank CD Rates
NBT Bank’s best CD rate is 4.00% APY on a 4-month CD. Terms run from 4 months to 10 months. Rates checked October 16, 2026.
How NBT Bank’s CD rates compare
Compared with banks and credit unions near Syracuse, NY, where NBT Bank has the most branches. $10,000, best rate first.
This bank’s best
NBT Bank
4.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $132
Portland Bayside: Exclusive CD Rate Promo
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Crouse Federal Credit Union
4.75%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $235
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Portland Bayside: Exclusive CD Rate Promo
Up to 4.00%APY · 2 terms
Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine | 4.00% | $132 |
| 10 months10 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine | 3.56% | $296 |
Sources (1)
- nbtbank.com/Personal/Products-And-Services/cd-offer · captured Sep 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.